Net Interest Income (NII) reported a growth of 13% on a YoY basis, and Net Interest Margin (NIM) improved to 4.24% in Q4FY20, compared to 3.86% in the previous quarter. Currently Gross/Net NPA stands at 2.60%/0.94% compared to 2.83%/1.23% in Q3FY20. Provision coverage ratio improved for the quarter to 64.53% compared to 57.34% in Q3FY20. We have lowered our advances growth estimates by 13% each for FY21E and FY22E due to Covid 19 pandemic....